In Barclaycard small print, they have terms for general right of set off within the Barclays Group, If the account were frozen with surplus balances at the time of bankruptcy they would seek to exerise the right.
In recent cases I have had post bankrupty funds applied to the account and Barclays sought to setoff against the Barclaycard liability - they realised their error that when the line was cut there were no available funds to setoff and reversed the transaction sameday,confirming that the account could continue to operate.
This was confirmed by Barclays Financial Services Legal Notices unit
I cant get a bank with Barclays or Natwest and i have tried at the Co-Op and i have got to wait until next to see if i can have a bank with them. If i cant get a bank with the Co-op who can i get one with